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Dealing with County Court Judgement

Facing a County Court Judgment (CCJ) can be daunting, but My Debt Plan is here to assist. We provide advice on dealing with CCJs, helping you understand the process and your options. Our team guides you through steps to address the judgment, whether it involves negotiating payment terms, disputing the claim, or exploring ways to have the CCJ set aside. With personalized strategies tailored to your situation, My Debt Plan ensures you take the right actions to minimize the impact on your credit score. Let us help you manage CCJs effectively and regain control of your financial future.

May not be suitable in all circumstances. Fees apply read more. Your credit rating may be affected, read more.

For free, independent advice, you should visit to Money Helper via their website.
For free, independent advice, you should visit to Money Helper via their website.

What Is A County Court Judgement (CCJ)

A County Court Judgment (CCJ) is a legal decree issued by a county court instructing you to repay a debt. It’s a procedural step initiated by a creditor in their pursuit of debt collection. CCJs offer creditors a straightforward means to reclaim money rightfully owed by individuals.

Upon receiving a County Court claim form, it’s crucial to respond within 14 days. The judgment outlines the owed amount, payment instructions, deadline, and payment recipient. Failure to provide necessary information may result in an unaffordable repayment schedule and further legal actions.

Letter of Claim:

Prior to initiating a CCJ, creditors must furnish all details of the claim, including debt particulars. Failure to respond to this letter empowers creditors to proceed with court action independently. Responding within 30 days is imperative, providing realistic financial information and seeking debt repayment advice if needed.

Recognizing Court Forms:

Similar to an IVA in England, Wales, and Northern Ireland, a Trust Deed allows people living in Scotland with more than £5,000 of unsecured debts to repay that debt using a series of monthly payments. Once the payment term ends, usually after four years, the remaining debt is written off.

Making Payments:

A Debt Management Plan (DMP) is what’s known as an informal debt solution. Under this scheme, you will come to an agreement with your creditors about lowering monthly payments towards your debts.
The agreement will be negotiated with the help of an Insolvency Practitioner (IP), but as an informal solution, you won’t be given legal protection from creditors.

Challenges in Repayment:

In case of payment difficulties due to changed circumstances or unsuitable repayment terms, applying to alter payment terms or challenging the CCJ’s validity is an option. Such challenges may necessitate a private hearing and may incur a fee.

Bailiff Use:

Creditors may resort to bailiffs to recover debts, requiring court authorization. Adequate repayment compliance can pre-empt bailiff visits, while failing to do so may escalate legal actions.

Debt Consolidation:

Consolidating multiple debts into manageable payments can prevent further creditor actions, provided payments are maintained. Debt consolidation, feasible for debts totaling under £5,000, requires completion of the N92 Application For An Administration Order form.

CCJ Register:

The CCJ Register, a public repository, lists judgments issued against individuals, providing details such as defendant’s name, court particulars, judgment amount, and resolution status. CCJs typically remain on record for six years unless set aside or paid off.

Access to CCJ Register:

Access to the CCJ Register via the Registry Trust Limited website requires a nominal fee. Individuals can verify their own records for accuracy or before applying for credit. Incorrect information can be rectified by contacting Trust Online, which liaises with courts for verification.

Conclusion:

Navigating CCJs demands diligence and informed action to mitigate financial repercussions. Understanding the process and seeking appropriate assistance can alleviate the burden of debt and safeguard financial stability.

How we can help you?

Lets Talk

Tell us about your current debts and one of our experienced and friendly advisors can help you get the ball rolling.

Debt Solution

Dependant on your circumstances and financial situation, we'll let you know if an IVA is a potential solution for you.

We’ve Got It Covered

If you qualify for an IVA, we will take the necessary steps to set up and arrange this for you.

Why our customer choose us?

15 years

experience

Non-judgemental

and supportive

IPA

authorised

Honest and confidential

advise

Highly Rated

and recommended service

Why our customer choose us?

15 years

experience

Non-judgemental

and supportive

IPA

authorised

Honest and confidential

advise

Highly Rated

and recommended service

Credit Score

Credit Score Pop Up Wording : An Individual Voluntary Arrangement (IVA) is a formal agreement with creditors to repay a portion of your debts over time, but it does have an impact on your credit score and it will be difficult to obtain further credit whilst on an IVA. Once an IVA is approved, it is recorded on your credit report and will typically remain there for six years from the date it starts.
However, it’s important to note this is the case for most debt solutions and your credit score will likely already have been affected by being in debt in the first place.
Once your IVA is complete you will get a fresh start to begin rebuilding your credit rating.

Fees

IVA costs are charged for the preparation of your proposal and the administration of the arrangement for the full term (usually 5 years) these costs are charged from the monthly contributions you make into the IVA and are not in addition. Costs will only be recovered on approval of your arrangement and once you commence making payments to it. The fees for preparation of the proposal to creditors and calling the meeting for creditors to vote on its approval are called nominees fees, the fees for running the arrangement once approved are called supervisors fees. There are also some expenses incurred in the running of the arrangement such as the registration fee and the statutory insurance that needs to be taken by law, these are called disbursements. For our arrangements, the total of all of these is £3,650 although this may be adjusted by creditors when they vote on whether to accept. No matter what the end total of costs come to, you can be rest assured that these will be taken from the monthly payment we agree with you.